Funding Sources

In regards local funding sources, the Bank will seek fundingfrom local banks to find sources of Rupiah funding. From offshore, the Bank will extend the existing foreign loans and acquiring new facilities.

Loans

Keeping in view to the industry developments, the Bank will expand its customer base for depositors placing funds at competitive rates and borrowers receiving. The Bank also will increase lending to existing borrowers, mainly engaged in manufacturing, trading and services businesses whose financial performance and business prospects are good.

Accounting

The Bank shall improve coordination and monitoring of GAAP 50 and 55 Revised 2006 implementations with all related division, focus will also be placed on improvements in the formation of both internal and external reports based on such Revised of GAAP.

Risk Management

Risk Management system in Bank Resona Perdania will be continually improved trough the development of a Management Information System for a database and reporting system beside that a market risk tool to evaluate market risk shall be implemented for anticipating risks.

As a continuously development on The Risk Management system, the Bank will continue to improve its Risk Profile and Self Assessments in all units, sections and branches and develop a Risk Register that will be established for all operating activities to identify inherent risk and evaluate the existing risk control system.

Audit

The Bank shall monitor and validate the Risk Module implementation and to ensure the implementation of Risk Based Audit Program running effective and efficient.

Compliance

Effective information dissemination and training for employee’s through “Compliance Forum” will be improved to increase better awareness and understanding of prevailing regulations to create a stronger Compliance Culture.

Human Resources

The Bank’s strategic planning for Human Resources development is an integrated approach through training and education of employees in banking issues on a continual basis. The improvement of skills and expertise for employees through knowledge transfers from expatriate staff is also an important focus for the Bank. The Bank will also recruit new and professional staff for selected posts, review and improve work procedures to enhance work effectiveness.

Information Technology
There is a need for the development of an information technology system that can support the Bank’s operations in an effective, timely and accurate manner therefore the Bank will develop effective credit application system that connected directly with the core banking system. An improvement on Disaster Recovery Plan to conform with the expanding business risks faced by the Bank in 2011 will continuously conducted.